Financial freedom tips early retirement

 Hi All, long time no see! hope all of you are healthy and had a great new year eve As you may noticed i hit the 100k€ value in my Account, great success for me. I made a small Adjustment in my Account i switched to a new MSCI World ETF from xtrackers due to the lower fee (0.19%) and increased the amount back to 1400€/month. And i did to two bigger steps to reach financial freedom soon 1) I changed my employer and got a salary increase not that big but approx 7% With my new employer i joined a retirement plan which i pay 350€ before tax and my employer add another 150€, they guaranteed 3% annual yield. I Did this because in total this is a approx 6% guaranteed yield for my retirement and i am able to receive first payment at the age of 60 years. 2) I bought one Flat with garage for rent. Yes this was a bigger investment on the first view, but i only pay the additional purchase costs its a 100% credit and i only pay off 2%/year So in my opinion its gifted money with a bit work ...

Hey all, just want to give you a short update and share some thoughts. Right now the market recovered a bit and settled down volatility decreases. All extra buys are now in plus and everything looks fine so far but i dont´trust the silence ;) So i decided to clean some old stocks which i bought in the beginning to generate some cash and have a clean depot. I still got a good price and now i am prepared for possible new crashs. Saving Plan adjustment I also decrease again the saving plan back to 1300€ to increase again the cash level a bit. And now i have only a saving plan with the MSCI World. I am convinced this is enough and it shows a stable performance (still boring but stable) So stay save and try to calm down in market crash not sell your stocks see it as a chance to collect cheap. I think the last couple weeks showed again there is no way without stock even in such situations.

Hello togehter, may some of you have noticed stock market is in panic ;) Reason is well known the Coronavirus and the concern of a worldwide Pandemic. A lot of companies have worldwide supply chains which are now in danger. The Fed lower the yield instantly to calm down the market but it helped only for a couple hours. In this situation i increased my monthly saving plan to 2000€/month because share prices are now low again. Honestly i don't know if this is the bottom but i am planning to buy some extra shares and stay with the increased saving plan until things settle down. I am still convinced that the world economy is strong and shares will pay off in the long run. And YES it hurts to see the drop of my current depot. Stay Calm and buy the dip :-)

Interesting year for the stock market a lot of uncertainties caused for example by the US chinese trade war and also the Brexit. I followed my saving plans during the complete year and bought some extra stocks end of 2018 during the market drop. I added my employer saving plan and the depot which is located in Singapur. Right now the saving plans are running very nice and the anual return is close 10% and the total profit hits 10k€. At the moment mainly i try to figure out if its worth to fund a asset management company for tax reasons and easier handling for foreigner depots. Right now i think the management cost for the company is to high and the advantage to less for the amount in the Depot. Did any one have experience with German asset management company rules? So you see another boring year no high potential stocks with an increase of 300% but a steady stabil growth. I am totally convinced that stock picking is a lottery without having very deep knowledge abou...

Opening brokerage and cash account in Singapore for foreigners  I started to evaluate where i could open a second broker account to deposit money. Reason is not to have all savings in one country, call me paranoid or whatever ;) And Singapore was perfect for me strong economy, high legal saftey and big banking sector. We where in Singapore for vacation and i checked if i could open a bank account but its not possible anymore for non residents. After i was back home i searched for possibilities and i found one vendor which offer a broker account including multi currency cash account. https://secure.fundsupermart.com/fsm/account-opening/main After sending a copy of my passport and a actual invoice from my energy provider i received the activation code via mail. On the webpage is written the account for foreigners is opend in Hongkong or India but i dont see any difference or note that it is like this. I can trade now shares in Singapore Dollar on the SGX or in US Dolla...

I have made some changes in the saving plans. When you compare the performance from my Lyx Euro stoxx 600 and MSCI World there is a difference from 3% in one year. So i decided to buy a new ETF MSCI World All Country here the emerging markets are included. We will se if the performance here is more convincing. I also bought some stocks in the dip last year in december which pays off now. Its always hard to buy, an see its dropping down more but usually the market always turn back after a while. Now the anual return is by approx. 7% since 2015 which is great and proofs the long term passive ETF strategy and buy the dip is working. I only have to be used to learn to stay relaxed whe the stock portfolio is wanking about 1000€ a day down or up. All updates new buys and acutal worth of the stock portfolio can be watched in the Live updating Google Sheet its under the Investment tab.

Hi all, exciting times on the stock market but i love it when everyone is scared and prices drops. I used this to increase my position on the DAX the prices are underrated in my eyes. Its always a risk but normaly it pays of for me. I also increased the monthly saving rates for my ETFs to use the low prices. new updating calculations on sheet Changed some calculations on my live updating Google sheet. -Result p.a. since 01/2018 is now added and and self updating the value  For questions feel free to ask

Short Update about the past two quarters A lot of changes: I sold Phillips 66 in total with 23% profit (i know to early but you never hit the perfect time). As posted before changend my saving plans to Lyxor. I also increased the amount of them because of a salary raise. I stopped 2 saving plans MSCI World Consumer / MSCI World Healthcare because of bad performance and high cost. Actual Performance from the past two quarters is about 11.4% one reason is the Exchange rate from the US Dollar to the €. The Whole Depot is approx. 16% in Plus. I am very happy about the performance and keep going. You can watch the share depot live updating here. Live Updating share depot Saving plan Name  / Amount MSCI World ETF 750€/month MSCI India ETF 100€/month MSCI Euro Stoxx600 250€/month Saving Cash 3000€ Something from selling Philips 66 and dividends to buy some extra shares MSCI World ETF when market drops a bit Dividends 18.04.2018  Eurostoxx Select Divide...

Honestly i first start tracking the saving plan for this year, next half year overview then is complete with all older positions. With the Saving plans i get a yield from aprox 5%/year its a good value but pretty low for the record year. The reason for the "poor" performance is that the biggest stock are in USD Dollar and shown in €. All in all for a good year. I keep going with my savings only changes the ETF´s from Comstage to Lyxor simple reason the promotion from my broker for Comstage ends.  The whole Depot is now 15% plus. And Ive done my first Crypto "Invest" in Verge XVG.  https://vergecurrency.com/langs/en/  It was not that easy to get it like a stock and its very bumpy but interesting an I've learend a lot. Hope you all had a Good Start into the new Year Happy Investing in 2018

Hello Together, i want to give you a short update whats going on in the last 6 months. As you see it´s very boring only to have saving plans but the time is your friend and bring you the money. Saving plan Name / Count / Amount / Performance  MSCI World ETF / 65,8 Shares / 3000€ / +9% the wohle position Saving Cash nothing because of buying a house and do a lot of reconstruction work Dividends 14.12.2016  DEKA Dax ETF ->6€ 01.03.2017  Phillips66 ->7,60€ 04.04.2017  Eurostoxx Select Dividend ->30 59,68€ 02.05.2017   Munich Re ->172€ Relocation Move to a own house and save now the rent (Ok now paying the bank ;-)) Upcoming Saving plans Eurostoxx 600 ETF 100€ MSCI WORLD HEALTH CARE 100€ Saving money for defense ETF Saving Dividends Robo advisio r Small Amount by Cashboard not that convinced that i can recommend it but gives me a free depot where i can do my capital accumulation benefits Capital accumulation benefits ...

I want to give s short overview about Advantages from ETF´s ETF: Cost: approximately 02-0,8% Diversification: for example MSCI WORLD ETF 1600 company's in one ETF Saving plan: you can easily install a saving plan you can start with 25€ Fee: A lot of the saving plans are free from a fee Huge selection with different sectors: you can combine different Sectors very easy with ETF and lower the risk instead of buying single company´s shares Growth: It depends on the ETF when you buy an index ETF its´approximately the same growth and over the years nothing beats the index Tax advantages: You can buy synthetic ETF instead of replicated here dividends are different taxed (in Germany) Risk: It depends on the ETF but by an Index ETF you have a huge diversification but also the MSCI World Looses up to 50% in the worst crisis. Managed Fond: Cost: approximately 2,5-6% Fee: approximately 1-3% Growth: nothing beats the index over the time some years could be be...

Reducing cost is one of the most effective things to generate free money to invest. For me it´s every year like a game to find new, cheaper offers or new customer offers. For me it makes every year up to 700€ only for the new customer Bonus and takes me only 30 minutes! Insurance: Here its sometimes a bit tricky because you can not change a live insurance easy. Here i only check my health insurance and my liability insurance In case of Car insurance check these because here you can safe a lot of money! Gas: It sounds stupid but i quit every year my gas contract to change to another provider. Here i get the same price or cheaper and mostly a few hundred euro new customer bonus. It takes me 5 minutes over a comparison site for example check24.de in germany Electricity: its the same easy process like gas. :-) Cable TV/Internet: I have a 2 year contract where i have the first year new customer conditions and then i must pay 60% more. So i quit every year and...

Hello togehter, i consider to buy a Defense ETF but my problem is there are not much opportunities on the market. I found one iShares Tr.-DJ US Aerosp.&Def. US4642887602 but i cant buy it on a german marketplace. Any recommandation or experience with that topic?

Share a Draft for Live updating portfolio tracker in google with you. There is a How to on my site including Youtube Video. If you have any questions feel free to ask.

Hey Together, i have updated my stock list under Investment   incl. live market price.

Hello i want to share my expirence in learning financial freedom with you.